How can NRI trade or invest in Indian Stock Exchanges
Last updated August 22, 2026
This IPO News guide/article covers “How can NRI trade or invest in Indian Stock Exchanges”. The page is organized around nri trading requirements, types of nri trading account and fund transfer & settlement, 1. nri 3-in-1 account, 2. nri 2-in-1 account, nri trading process with 3-in-1 account. IPO News presents the structured facts and tables in its own layout and wording.
Topics Covered
- NRI Trading Requirements
- Types of NRI Trading Account and Fund Transfer & Settlement
- 1. NRI 3-in-1 account
- 2. NRI 2-in-1 Account
- NRI Trading Process with 3-in-1 Account
- NRI Trading Process with 2-in-1 Account
- NRI 2-in-1 Account Trading Process with PIS
- NRI Investment through Non-PIS NRO 2-in-1 account
- Important Points to Note about NRI Investment
- Final Words
- Zerodha Trade@20
- Compare Stock Brokers Side-by-Side
Key Facts
- India's trusted financial research platform since 2015. Live IPO GMP, subscription data, allotment status, Rights Issues, NCDs and unbiased stock broker reviews.
- As the name suggests, it combines or integrates 3 different accounts: NRI Demat Account, NRI Trading Account, and NRE/NRO Bank Account with PIS approval.
- The NRI 2-in-1 account is a combination of NRI trading and demat accounts.
- When a buy order is executed, your NRE/NRO PIS account will be debited for the traded amount and you will get the delivery of shares in your NRE or NRO demat account within T+1 day.
- Here is the step by step NRI 2-in-1 account trading process explained in detail for both PIS and non-PIS NRO trading account;
- Withdraw money from NRI trading account to the linked NRO bank account. You cannot repatriate more than USD 1 million abroad in a financial year, subject to RBI approval.
- Maximum NRI investment in a scrip cannot exceed 5% of the company’s total paid-up capital.
- Aggregate NRI investment in a company shall not exceed the 10% maximum ceiling of the paid-up capital. In the case of a special resolution passed, the maximum limit can be increased to 24%.
- Want to start your investment journey? Join India's Pioneer Discount Broker – ZERODHA – Free Delivery Trade, Maximum Rs 20 for F&O and Intraday, Free Direct Mutual Fund investment.
Data Tables
| Segment | NRI trading on Repatriation basis | NRI trading on Repatriation basis |
|---|---|---|
| Equity or stocks | NRE PIS Trading Account NRE PIS Demat Account NRE PIS Bank account | NRO Non-PIS Trading Account NRO Non-PIS Demat Account NRO Non-PIS Bank Account |
| IPO or Mutual funds | NRE Non-PIS Trading Account NRE Non-PIS Demat Account NRE Non-PIS Bank account | NRO Non-PIS Trading Account NRO Non-PIS Demat Account NRO Non-PIS Bank Account |
| Derivatives | Not available on NRE account | NRO Non-PIS Trading Account NRO Non-PIS Demat Account NRO Non-PIS Bank Account Custodial Account: (It is mandatory to get a custodial participant (CP) Code for NRIs) Know more on NRI F&O Trading |
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